Huntington Beach, CA Home InsuranceHome insurance in Huntington Beach, CA
Parts of Huntington Beach are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Huntington Beach
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Huntington Beach area shows Zone AE, Zone A, Zone VE, Zone D alongside Zone X, which is the lower-risk designation.
Huntington Beach is in FEMA's Community Rating System at Class 7, which earns residents 15% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 065034.